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  • Significant Accomplishments: Required personal financial literacy and money management high school course; Financial literacy standards in most K-12 social studies standards

  • Needs Improvement: Needs to implement K-8 financial literacy standards


Personal finance is embedded under economics in some of the K-12 Social Studies standards. Specifically, there are personal finance objectives in grades 1-5, U.S. History I and II, and Economics.

In 2007, Idaho House Concurrent Resolution No. 10 urged the State Board of Education “to immediately begin exploring ways to include in the public-school curricula a financial literacy program… and reviewing existing financial literacy programs and materials that are available, with the aim of formalizing personal financial management as a requirement for graduation.” In March 2020, Senate Concurrent Resolution No. 128 states findings of the legislature and encourages “Idaho high schools, colleges, and universities to offer credit-bearing personal finance classes to their students in order to impart financial literacy and promote financial stability among young Idahoans.” In March 2023, House Bill 92 was signed into law: “Each school district, specially chartered district, and public charter school serving students in grades 9 through 12, or any combination thereof, shall provide to all students in grades 9 through 12 one (1) or more courses in personal financial literacy and money management.” A standalone personal finance course is now required to graduate high school: “Completing this course will fulfill the financial literacy component of the high school graduation requirement.” The law takes effect on July 1, 2023.

Idaho receives a “B” for financial literacy instruction, as it provides instruction through the embedded standards in the required high school personal financial literacy and money management course and some K-8 economics standards. Idaho needs to create Grades 6-8 financial literacy standards in order to raise its grade to an “A.”

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